Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$53,444Cash toward the purchase price.
Closing costs + prepaids$9,322Not just lender fees.
Before credits & paid funds$62,766The complete starting cash picture.
Estimated remaining funds due at closing
$62,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,443.66
Your down payment$53,443.66
Closing costs + prepaids$9,322.01
Total buyer cash needed$62,765.67
Remaining funds due$62,765.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$732.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$217.75
Initial HOA (3 months)$795.00
Prepaid interest, first (31 days)$358.48
Fees + prepaids$9,322.01
Your down payment is the seller’s equity. You take over the $146,556 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $62,765.67 is due at closing. Uses and sources reconcile at $209,322.01 each. Not a Closing Disclosure.